BlastPoint's Banking Scorecard
First National Bank in Fredonia
Micro
Specialty: Other
KS
FDIC cert 13798
Designations: ✓ Community bank
Fredonia, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
First National Bank in Fredonia shows strong momentum with 1 strength and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 42.58% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$105.4M
+6.9% YoY
+6.2% QoQ
|
-$112.1M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$29.8M
-2.3% YoY
+4.4% QoQ
|
-$109.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$93.4M
+4.4% YoY
+7.2% QoQ
|
-$90.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.25%
+8.5% YoY
-11.4% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.30%
-0.0% YoY
-1.5% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
62.88%
-4.3% YoY
+6.7% QoQ
|
-4.84% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.05%
+64.2% YoY
+139.8% QoQ
|
+0.41% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
31.95%
-6.4% YoY
-2.6% QoQ
|
-42.58% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.64%
+39.2% YoY
-10.6% QoQ
|
-0.76% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.30%
+50.2% YoY
+135.7% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
-6.2% YoY
+20.0% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
31.95%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.95% · Tier avg: 74.53%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
59
59th pctile
Efficiency Ratio
Current: 62.88% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.64% · Tier avg: 22.39%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
28
28th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.64%
26
26th pctile
Total Deposits
Current: $93.4M · Tier avg: $183.7M
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
24
24th pctile
Total Assets
Current: $105.4M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $29.8M · Tier avg: $139.2M
Top Weaknesses
10
10th pctile
Total Loans
Current: $29.8M · Tier avg: $139.2M
24
24th pctile
Total Assets
Current: $105.4M · Tier avg: $217.5M
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
26
26th pctile
Total Deposits
Current: $93.4M · Tier avg: $183.7M
28
28th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.64%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.64% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Efficiency Ratio
Current: 62.88% · Tier avg: 67.73%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.95% · Tier avg: 74.53%